As twinkling lights go up and the scent of peppermint fills the air, it's not just your home that deserves a festive makeover—your credit card strategy does too. Christmas is the perfect time to gear up for holiday spending and make the most of the rewards your card offers. Whether you're shopping for gifts, booking winter getaways, or enjoying seasonal outings, here's how to maximize your benefits and keep your finances merry and bright.
Know Your Holiday Rewards Categories
The season of giving is full of opportunities to earn more with your Members First Credit Card. From Now – December 31, 2025, you can earn double the rewards on select digital and retail purchases—just in time for Christmas shopping and holiday prep. This includes:
- Online Shopping: Cross off your gift list and treat yourself by earning 2x rewards at participating online retailers. From festive décor to thoughtful presents, your purchases pay off.
- Wholesale Clubs: Stock up on ingredients for holiday feasts, bulk gifts, and household essentials. Your seasonal prep just got more rewarding.
- Clothing & Shoes: Shop for cozy winter wear or stylish gifts at stores specializing in apparel and accessories—and earn double points while spreading holiday cheer.
- Bookstores, Games, Toys, Sports, and Hobby Shops: From classic reads to creative hobbies and fun toys, purchases at these retailers are doubly rewarding this season.
Stack Rewards with Holiday Promotions
Retailers often roll out special deals leading up to Christmas sales. Combine these with:
- Cashback portals
- Card-linked offers
- Limited-time point multipliers
Redeem Points for Holiday Gifts and Travel
Cut holiday costs and make the most of your spending. If you've been saving up rewards points, now's the time to use them:
- Book flights early to avoid peak pricing
- Use points for hotel stays or car rentals
- Apply rewards toward gift purchases
Set a Holiday Budget and Track Spending
It's easy to overspend during the holidays. Use the My Cards card management and budgeting tool on Internet Banking and the Members First mobile app to:
- Set spending limits
- Categorize purchases
- Turn your card on/off at your discretion
- And more
Keeping tabs on your spending helps prevent debt and ensures you stay aligned with your financial goals.
Be Strategic, Not Impulsive
Maximizing credit card rewards isn't about spending more—it's about spending strategically. Focus on using your card where it delivers the highest value, take advantage of seasonal benefits, and pay off your balance promptly to avoid interest charges.
Ready to Turn Your Holiday Purchases Into Perks With A Members First Credit Card?
Redeem your points today or apply for one of our rewarding credit cards. Whether you're shopping for seasonal essentials, booking travel, or simply enjoying everyday purchases, your Members First credit card rewards you every step of the way.
APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. The method of computing finance charges (or interest) for purchases (including new purchase) is based on the Average Daily Balance. Rates are subject to change without notice. For our complete credit card disclosure, click here.
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